You know you need insurance; whether you’re a co-op or condo owner, or just a renter, figuring it out year to year, if you’re living in NYC or New Jersey you need insurance for where you call home. It’s something you’ve been meaning to take care of for a couple of weeks now. But you just don’t know where to start. You’ve done a few online searches, asked a few friends, but the process is still overwhelming.

We’d like to introduce ourselves.

We’re Co-op Insurance, a NYC-based insurance brokerage that prides ourselves in being the authority in co-op, condo, and renters insurance.

But we’re not here to talk about ourselves. We’re here to educate, guide, and answer your questions regarding co-op insurance. Whether you’re a current client or just someone passing through, we invite you to stick around and see if we can help solve your insurance inquiries.

What’s the difference between insurance agents and brokers?

Though similar, there is a difference between agents and brokers. While they both sell insurance, the approach is different. An agent typically works for one insurance company and sells their policies to clients.

A broker though works for a brokerage and is not tied down to one insurance company. They work directly with a client by listening to their needs and offering a variety of policy options from several different companies.

Advantages of working with a brokerage

Not sure if an agent or broker is right for you? Consider the advantages of working with a brokerage like Co-Op Insurance.

We don’t charge

What we mean is that you won’t be charged an additional fee on top of your premium. So don’t worry that by working with a brokerage you’ll have less to spend on your policy. Using a broker should cost the same as purchasing direct.

We’re friendly

Remember that working with a brokerage doesn’t cost you anything extra. In fact, you’re getting more for your money because we’ll do all the leg work for you, let you know what policy options you have, and help you decide based on your budget and needs.

We’re smart

We understand insurance (we kinda have to). So if you don’t (and that’s okay), we can be your insurance resource. We love being able to help those who feel less than confident in the insurance world make decisions that will save them money and protect their finances. Even if you do understand insurance more than the average individual, a second set of eyes looking over your policies never hurts.

We’ll save you time and money.

If you’re like most people, you need more of both. Don’t waste your Sunday searching insurance policies online. We’ll do it for you. Don’t spend money on policy extensions you don’t need or risk your financial future by having a policy that doesn’t cover you as much as you thought it did. Whether you already have policies in place or are searching for the first time, let our experience and resources save you time and money while ensuring proper protection.

Real People, No Algorithm

Have you ever visited an insurance company’s website and been bombarded with offers for a free insurance quote? A pop-up asks you for your info and a “custom” quote is emailed to you in a matter of seconds.

While some companies do provide fast quotes, do you ever wonder how accurate they are? The details they have are minimal. Without asking serious questions or even talking to you, how do they know the type of coverage you need? Is this really how you want to make sure your belongings are protected?

Those quotes are generated by algorithms. By entering a few small bits of information, like your gender, birthdate, home address, and the material your building is made of, you can get an insurance quote. But the prices are based on a calculated risk that might not be accurately representative of you.

At Co-op Insurance, we take the time to not just know your information but understand it. We’ll ask you questions, get to know your insurance needs, and make sure that your policy accurately covers you. Do you want another generic quote, and therefore, generic coverage? Or do you want something that’s completely unique to your situation?

Insurance 101

Have a few questions about insurance? We’ve put together this FAQ section that should tackle at least a few. Have a question you don’t see above? Ask us in a message and we’ll get back to you right away.